"大国重器"如何能够"强筋健骨"？瞪羚企业如何实现"蓄势向上"？ 晨曦微露，薄雾如纱笼罩着河北永年标准件产业园，随着机器轰鸣声渐起，这里迎来了崭新的一天。精 密的生产流水线上，航空级钛合金螺丝正以极高的效率完成制造，每一颗螺丝的误差都控制在0.002毫 米以内。这些精密的标准件，将应用于航天器、高铁等关键领域，为国家重大工程的稳定运行保驾护 航。 2022年起邮储银行（601658）便主动上门联系永年紧固件厂，建议该企业更换数控机床，并于三天内完 成200万元"产业贷"的审批，助力企业发展为"高精尖"产业。如今该企业已通过专精特新认证，年产值 突破亿元。 在新能源汽车赛道狂飙的湖南东立智能科技有限公司（以下简称"东立智能"），这两年堪称"逆袭范 本"——从初创公司变身国家高新技术企业，还成了比亚迪（002594）供应链的"座上宾"。 可订单像潮水般涌来时，这家汽车零部件明星企业却犯了难：资金链绷得比琴弦还紧，抵押物又不够， 眼看就要被"卡脖子"。 关键时刻，邮储银行湖南省分行7天火速批下1000万元科创信用贷，又通过创新 担保组合将授信额度提升至6000万元，一系列操作给该企业装上了"超级马达"，生产线马力全 ...

Core Viewpoint - The establishment of a financing coordination mechanism by the National Financial Regulatory Administration aims to address the long-standing financing difficulties faced by small and micro enterprises, facilitating the rapid and precise flow of low-cost funds to these businesses [1] Group 1: Financing Coordination Mechanism - The financing coordination mechanism has led to over 67 million business visits and the issuance of loans amounting to 12.6 trillion yuan, with approximately one-third being credit loans [1] - The mechanism is designed to deepen support for small and micro enterprises, ensuring that low-cost funds reach them quickly and accurately [1] Group 2: Optimizing Credit Supply - The banking sector is implementing the financing coordination mechanism by accurately assessing the operational status and financing needs of small and micro enterprises, aiming for loan growth rates for these enterprises to exceed the average growth rate of all loans [2] - Banks are focusing on optimizing credit structures by increasing the proportion of first-time loans, renewals, and credit loans to alleviate financing difficulties for small and micro enterprises [2] - Innovative credit loan products are being developed to assess credit status based on various data points, such as tax data and transaction flows, especially for enterprises lacking collateral [2] Group 3: Reducing Financing Costs - Banks are closely monitoring changes in the Loan Prime Rate (LPR) to timely pass on interest rate benefits to small and micro enterprises while ensuring controllable funding costs [4] - Internal processes are being simplified to improve loan approval efficiency, with financial technology being utilized to create intelligent approval systems that streamline the loan application process [4] - Specialized service teams and hotlines are established to provide timely support to small and micro enterprises during the loan consultation and application process [4]